Havana National Bank, The
Havana, IL · Cert 3677 · Peer group: banks under $1B in assets in IL (n=149-151) · Community Investment Group Ltd.
National charter · OCC · 6 branches
Q2 2026
$332.8MAssets
$232.2MLoans
$234.2MDeposits
$37.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 91% of banks under $1B in assets in IL (rank 15 of 151).
- Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets in IL (rank 130 of 149).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.63%
Rank 16 of 151
Net Interest Margin
3.57%
Rank 58 of 151
Efficiency Ratio
49.71%
Rank 15 of 151
Equity / Assets
11.33%
Rank 57 of 151
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 91% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.63% | 0.70% | 1.03% | 1.34% | Beats 89% | 16 / 151 | |
| Return on Equity | 14.37% | 6.74% | 9.34% | 12.94% | Beats 85% | 23 / 151 | |
| Net Interest Margin | 3.57% | 3.02% | 3.43% | 3.83% | Beats 62% | 58 / 151 | |
| Efficiency Ratio | 49.71% | 54.64% | 64.89% | 72.50% | Beats 91% | 15 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.69% | 0.20% | 0.66% | 1.77% | Beats 13% | 130 / 149 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 46% | 82 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 12.17% | 11.83% | 14.17% | 18.66% | Beats 30% | 105 / 151 | |
| Total Risk-Based Capital Ratio | 12.17% | 12.22% | 14.54% | 19.92% | Beats 24% | 115 / 151 | |
| Equity / Assets | 11.33% | 9.10% | 10.65% | 12.40% | Beats 62% | 57 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 99.12% | 54.39% | 71.02% | 80.75% | 97th pctl | 5 / 149 | |
| Loans / Assets | 69.76% | 45.91% | 61.31% | 68.01% | 79th pctl | 32 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |